The Research On The Method Of Project Loan Evaluation In Commercial Banks

Project loan is one of the major loans in commercial banks, which occupies a high proportion of the total credit assets. It is also the main source of profit in the commercial bank,therefore the risk-controlling ability in each link plays an important role in ensuring the bank asset quality. The pre-credit review is the first barrier of the risk, which is particularly important. Although commercial banks have established their own evaluation system, there are still some problems such as evaluation index system and evaluation method which need to be improved. It is important for us to re-examine and improve the existing evaluation system to enhance the ability of risk prevention and control, which is of great importance in the healthy and sustainable development of commercial banks.Based on project evaluation theory of the commercial bank and the research on project loan evaluation system, this essay puts forward the risks-oriented theory. According to the project risk and the weight of importance, the theory reconstructs the index evaluation system and makes the evaluation conclusion by the means of fuzzy comprehensive method. Finally,this essay puts the evaluation index system and evaluation method into the case application,verifying the validity of the evaluation index system and evaluation method.